<ARTICLE>                   9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM ISLANDS
BANCORP'S UNAUDITED FINANCIAL STATEMENTS FOR THE PERIOD ENDED JUNE 30, 2000 AND
IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>

                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-END>                               JUN-30-2000
<CASH>                                           2,321
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                          0
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                              0
<ALLOWANCE>                                          0
<TOTAL-ASSETS>                                 242,862
<DEPOSITS>                                           0
<SHORT-TERM>                                   435,572
<LIABILITIES-OTHER>                            105,571
<LONG-TERM>                                     11,560
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         5,500
<OTHER-SE>                                    (315,341)
<TOTAL-LIABILITIES-AND-EQUITY>                (309,841)
<INTEREST-LOAN>                                      0
<INTEREST-INVEST>                                    0
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                     0
<INTEREST-DEPOSIT>                                   0
<INTEREST-EXPENSE>                              11,609
<INTEREST-INCOME-NET>                          (11,609)
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                129,477
<INCOME-PRETAX>                               (141,086)
<INCOME-PRE-EXTRAORDINARY>                    (141,086)
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                  (141,086)
<EPS-BASIC>                                    (256.52)
<EPS-DILUTED>                                  (256.52)
<YIELD-ACTUAL>                                    0.00
<LOANS-NON>                                          0
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                     0
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                    0
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0